LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,994
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,860
−HK$1,896/mo
Today · 4.125%
HK$63,756
baseline
▲ 0.50% · 4.625%
HK$67,636
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,512/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,743
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,533
−HK$1,816/mo
Today · 4.125%
HK$70,349
baseline
▲ 0.50% · 4.625%
HK$74,057
+HK$3,708/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,698/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,993
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,232
−HK$2,276/mo
Today · 4.125%
HK$76,508
baseline
▲ 0.50% · 4.625%
HK$81,163
+HK$4,655/mo
Deposit HK$10.52M · loan HK$15.79M · min. income ≈ HK$153,016/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,092
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,240
−HK$2,179/mo
Today · 4.125%
HK$84,419
baseline
▲ 0.50% · 4.625%
HK$88,868
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.79M · min. income ≈ HK$168,838/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,992
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,605
−HK$2,654/mo
Today · 4.125%
HK$89,259
baseline
▲ 0.50% · 4.625%
HK$94,690
+HK$5,431/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,518/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,440
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,946
−HK$2,542/mo
Today · 4.125%
HK$98,488
baseline
▲ 0.50% · 4.625%
HK$103,680
+HK$5,192/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$196,976/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,990
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,349
−HK$3,412/mo
Today · 4.125%
HK$114,761
baseline
▲ 0.50% · 4.625%
HK$121,744
+HK$6,983/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,522/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,137
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,359
−HK$3,269/mo
Today · 4.125%
HK$126,628
baseline
▲ 0.50% · 4.625%
HK$133,303
+HK$6,675/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,256/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,188 · Scale 2, in force from 26 Feb 2026)